How it works
A third row counts hundreds. Ten ones make a ten, and ten tens make a hundred, so one bead on the top row is worth a hundred.
Add the hundreds, the tens and the ones, each row on its own, just as before.
A row with no beads still counts, as zero. The zero holds the place, or 406 would look like 46.
Check that your answer makes sense: 300 and 100 make 400, plus a bit more.